Models & Scores

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The tax gap—the difference between what taxpayers should pay and what they actually pay on time—can have a substantial impact on states’ budgets. Tax...

June 9, 2021 by Eric Thompson

The COVID-19 pandemic has created shifting economic conditions and rapidly evolving consumer preferences. Lenders must keep up by re-evaluating their strategies to accelerate growth...

June 2, 2021 by Kelly Nguyen

At some point a lender may need to issue an RFI or an RFP for a credit decisioning system. In this latest installment of...

April 2, 2021 by Peter Accorti

Perhaps your loan origination system (LOS) doesn’t have the flexibility that you require. Perhaps the rules editor can’t segment variables in the manner that...

March 18, 2021 by Stefani Wendel

With 2020 firmly behind us and multiple COVID-19 vaccines being dispersed across the globe, many of us are entering 2021 with a bit of, dare we...

January 28, 2021 by Jesse Hoggard

Credit cards are the most widely available credit products offered to millions of consumers today. For many consumers, owning a credit card is a...

January 19, 2021 by Victoria Soriano

As industry experts are still unsure when the economy will fully recover, re-entry into marketing preapproved credit offers seems like a far-off proposal. However,...

October 6, 2020 by Eric Johnson

Profitability analysis is one of the most powerful analytics tools in business and strategy development. Yet it’s underrated, deemed too complicated and often ignored....

September 30, 2020 by Victoria Soriano

This is the fourth in a series of blog posts highlighting optimization, artificial intelligence, predictive analytics, and decisioning for lending operations in times of extreme uncertainty....

September 2, 2020 by Jim Bander

In today’s uncertain economic environment, the question of how to reduce portfolio volatility while still meeting consumers’ needs is on every lender’s mind.  With...

August 3, 2020 by Laura Burrows

Do consumers pay certain types of credit accounts before others during financial distress? For instance, do they prioritize paying mortgage bills over credit card...

July 30, 2020 by Sid Naik

Account management is a critical strategy during any type of economy (pro-cycle, counter-cycle, cycle neutral). In times like these, marked by economic volatility, it...

June 23, 2020 by Stefani Wendel

Today, Experian and Oliver Wyman launched the Ascend Portfolio Loss ForecasterTM, a solution built to help lenders make better decisions – during COVID-19 and...

June 10, 2020 by Stefani Wendel

To combat the growing threat of synthetic identity fraud, Experian recently announced the launch of Sure ProfileTM, a revolutionary change to the credit profile...

June 2, 2020 by Alison Kray

While an overdue economic downturn has been long discussed, arguably no one could have foreseen the economic disruption from COVID-19 to the extent that’s...

May 21, 2020 by Stefani Wendel